Get quality health insurance to protect your children with Blue Advantage from Blue Cross and Blue Shield of North Carolina. BCBSNC offers a range of health plans for groups and individuals. by other health insurance as of the effective date of your Blue Advantage coverage. Get a lower-cost health insurance plan with Blue Advantage Saver from Blue Cross and Blue Shield of North Carolina.

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You have the freedom to see out-of-network doctors and can visit a specialist without referral.

For details on coverage limitations and exclusions, and terms under which the policy can be continued in force, please contact BCBSNC. You won’t pay more than your out-of-pocket maximum, no matter how high your annual expenses.

Dental Blue is a separate product that provides dental-only coverage and is available at an additional rate. Whether you want to manage a health condition or just improve your fitness and nutrition, BCBSNC has a program for you.

Members who receive covered services out-of-network may be required bluedvantage pay the difference between the provider’s actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount. Includes a variety of services important to your good health. You’ll have access to the largest provider network in the state, which means many of North Carolina’s blueadvantae doctors and hospitals are at your fingertips.

These services and supplies may be subject to your deductible and coinsurance. Get a Free Quote. When you receive preventive care out-of-network you may pay more out-of-pocket.


Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you. And you’re covered with unlimited benefits for covered expenses over your lifetime.

Choose from a range of options to suit your budget. Rates are effective January 1,through December 31, Access your policy information, plus health information, tools and resources on your secure member site.

Compare Plans | BCBSNC

For costs and further details about maternity coverage or Dental Blue, including exclusions and reductions or limitations and terms under which blueadvxntage policy may be continued in force, see your agent bbsnc write to BCBSNC. Both medical and pharmacy claims apply to the same deductible. After your deductible is met, you pay coinsurance until you reach your total out-of-pocket maximum amount.

You can choose to purchase maternity or dental coverage with your health care plan. Rates vary based on the coverage options you choose and your personal information, including age, number of dependents, county of residence, gender and health history and will be subject to underwriting.

You pay toward hospital costs until your deductible is met. Pre-existing condition waiting periods may also apply. Some Blue Advantage Saver plans offer limited office visits. Other covered services may be subject to deductible and coinsurance. Serving North Carolina residents since At a network pharmacy, you pay only a convenient copayment.

Health Plans

You pay a copayment for prescription drugs. This plan is eligible for an HSA. Contributions are tax-deductible, withdrawals and interest are tax-free.


Maternity coverage is offered through Blue Advantage at an additional cost. Purchase coverage for your dependent children without having to cover yourself.

The content contained bxbsnc this site is maintained by NCHealthplans. You’ll get comprehensive medical coverage at rates that fit your budget. Before your deductible is met, you pay the total cost of your care.

After you meet your deductible, you pay your coinsurance amount. With Blue Advantage Saver you get many of the same features found in a traditional copayment plan but with more flexibility to get just the coverage you need — at a lower monthly premium. Deductibles, coinsurance, bcgsnc and exclusions apply to this coverage. Blueadvantqge covered across the nation and in more than countries and territories worldwide through the Blue Card network.

Other covered services may be subject to bcbsnf and coinsurance. All three plans offer comprehensive coverage for preventive care. In some cases you may also pay a separate prescription drug deductible first before you can pay copayments. A separate pharmacy deductible may apply. Members who receive covered services out-of-network may be required to pay the difference between the provider’s actual charge and the BCBSNC allowed amount, in addition to the coinsurance amount.